Page 11 - Teacher Created Materials EE Guide 09-18 - CA

Benefits

Life and AD&D Insurance

Cigna | Basic Life and AD&D Insurance
Life insurance protects your family or other beneficiaries in the event of your death while you are still actively employed with the
company. Teacher Created Materials pays for coverage, offered through Cigna, in the amount of your annual salary, including
commissions and bonuses, to a maximum benefit of $250,000. If your death is due to a covered accident or injury, your beneficiary
will receive an additional amount through Accidental Death and Dismemberment (AD&D) coverage.

Cigna | Voluntary Life and AD&D Insurance
In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life and AD&D
insurance at discounted group rates provided by Cigna. If elected, you pay for this coverage with after-tax dollars through
convenient payroll deductions.

Employee

You may purchase coverage for yourself in increments of $10,000 up to a maximum benefit of $200,000, not to exceed 5 times
your annual salary.
Spouse

If you buy coverage for yourself, you may also purchase coverage for your eligible spouse. Benefits for your spouse are available up
to a maximum benefit of $100,000, not to exceed 50% of your employee election.

Child(ren)
If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren). Benefits for your children
are available in the amount of $10,000.

Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health, and is available
to you during your initial eligibility period (upon hire). Guarantee issue is available in the following amounts:
• Employee: $100,000
• Spouse: $10,000
• Child(ren): $10,000

If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime during the year,
as long as you provide proof of good health. To provide proof of good health, you will be asked to complete a health questionnaire
and are subject to insurance carrier approval. Cigna may approve or decline coverage based on a review of your health history.

Disability Insurance

Cigna | Voluntary Short Term Disability Insurance
Teacher Created Materials offers you the opportunity to purchase Short Term Disability (STD) to provide income replacement if you
become disabled due to accident, sickness or pregnancy, through Cigna. If you experience a temporary disability, benefits begin 7
days after the start of your disability and will continue as long as you remain disabled up to a maximum of 12 weeks. STD works
with state disability programs, Social Security, and any other group disability coverage, to provide you with a combined monthly
benefit equal to 60% of your pre‐disability earnings up to a maximum benefit of $1,500 per week.

Cigna | Voluntary Long Term Disability Insurance
Teacher Created Materials offers you the opportunity to purchase Long Term Disability (LTD) to provide income replacement if you
become disabled for an extended period of time, through Cigna. If you become totally and permanently disabled, benefits begin 90
days after the start of your illness or injury and will continue as long as you remain disabled up to Social Security Normal
Retirement Age. LTD works with state disability programs, Social Security, and any other group disability coverage, to provide you
with a combined monthly benefit equal to 60% of your pre‐disability earnings up to a maximum benefit of $5,000 per month.

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